Call reports 2008
NORTH VALLEY BANK — 2008
What NORTH VALLEY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 126,981,000 | 136,370,000 | 140,142,000 | 136,278,000 |
| Total loans | 101,746,000 | 114,410,000 | 112,737,000 | 112,280,000 |
| Allowance for loan losses | 754,000 | 1,271,000 | 1,098,000 | 1,114,000 |
| Securities available for sale | 14,891,000 | 11,980,000 | 11,739,000 | 11,368,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,425,000 | 113,459,000 | 113,053,000 | 108,998,000 |
| Interest-bearing deposits | 79,577,000 | 81,070,000 | 79,463,000 | 85,910,000 |
| Noninterest-bearing deposits | 33,848,000 | 32,389,000 | 33,590,000 | 23,088,000 |
| Equity capital | 11,568,000 | 11,912,000 | 12,691,000 | 12,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,114,000 | 4,249,000 | 6,502,000 | 8,659,000 |
| Interest expense | 577,000 | 1,110,000 | 1,683,000 | 2,288,000 |
| Net interest income | 1,537,000 | 3,139,000 | 4,819,000 | 6,371,000 |
| Noninterest income | 284,000 | 562,000 | 875,000 | 1,047,000 |
| Noninterest expense | 1,146,000 | 2,366,000 | 3,575,000 | 5,283,000 |
| Provision for loan losses | 80,000 | 640,000 | 714,000 | 834,000 |
| Pretax income | 635,000 | 789,000 | 1,499,000 | 1,395,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 635,000 | 789,000 | 1,499,000 | 1,395,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,340,000 | 11,994,000 | 12,698,000 | 12,601,000 |
| Total capital | 12,094,000 | 13,265,000 | 13,796,000 | 13,715,000 |
| Risk-weighted assets | 108,834,000 | 120,628,000 | 122,455,000 | 119,750,000 |
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